Michael Graham

Michael Graham

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Active

$789,000

($153,741 down)
VA

4092 Winona Ave, San Diego, CA 92105

3
2
1,275 sqft
PITI Monthly
$4,559.33 /mo

Listing courtesy of: Kyle Alberto, eXp Realty of Southern California, Inc.

Assumed Rate

4.92%
7.15%

Principal & Interest

$3,521 /mo
$4,470 /mo

What's Special

MODERN
RENOVATED
COZY

Renovated Home with In-Law Suite on a Corner Lot – City Heights Charm! Step into comfort and style with this beautifully updated 2-bedroom, 1-bath bungalow home with a 1-bed, 1- full bath, in-law suite. Located in the vibrant Colina Del Sol neighborhood of City Heights—right on the edge of Talmadge! Sitting on a sunny corner lot, this 1,275 sq ft gem blends modern updates with cozy, flexible living. Inside, you’ll find a freshly renovated kitchen that’s perfect for cooking and gathering, plus two full bathrooms that have been stylishly redone. The open layout creates an easy flow, and the natural light makes the whole space feel bright and welcoming. One of the standout features? A versatile in-law suite with its own separate entrance—perfect for extended family, guests, or as a future income-producing space. A kitchenette can be easily added, making it ideal for a rental unit or ADU setup. Outside, enjoy the benefits of a corner lot with extra space and room to relax and enjoy the beautiful citrus trees. A side gate also opens for easy off-street parking for 2-3 vehicles. You’re close to parks, shops, and all the local favorites, with quick access to everything San Diego has to offer. This home has everything but the welcome mat—come bring yours and see how easily you’ll feel right at home.

... Show more

Assumption Snapshot

Type of Loan
VA
Interest Rate
4.92
Remaining Loan Term
27 years, 5 months
Monthly PITI
$4,559.33/mo
Estimated Loan Balance
$637,985
Cash to close
$153,741
Interest Paid
$82,524

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 3
  • Bathrooms: 2
Cooling & Heating
  • Cooling: None
  • Heating: NaturalGas
Features
  • Materials: Stucco
  • Community: Unknown
  • Has Fireplace: No
  • Fireplace Features: Unknown
  • Flooring: Carpet

Exterior

Fencing
  • Fencing: Unknown
Roof
  • Roof: Shingle
Parking
  • Garage: No
  • Garage Spaces: 0
  • Carport: Yes
  • Carport Spaces:
Water
  • Sewer: Unknown
  • Water Source: Public
Pool
  • Has Pool: No
  • Pool Features: None

Construction

Type & Style
  • Stories: 1
  • Home type: SingleFamilyResidence
  • Architectural Style: Unknown
Materials
  • Stucco
  • Roof: Shingle
Condition
  • Year Built: 1948
Details
  • Builder:

Community & HOA

Community
  • Subdivision: City Heights
  • Features: Unknown
HOA
  • Has HOA: No
Location
  • Region: San Diego

Financial Details

  • Price per Sqft: $618.82
  • Tax Annual Amount: $9862.5
  • On Market Date: 2025-04-10T00:00:00.000Z
Inquire about this property

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Apply to Assume

Fill out an application to explore financing options for assuming this loan.

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Savings Calculator

Current cash to close is $153,741 (19%)
You can enter any amount below - secondary financing will cover the difference if needed.
19%
$

You cover the entire equity of $153,741!

Enter a smaller amount if you prefer to use secondary financing.

Loan Breakdown

Assumed Mortgage4.92% Sellers Rate
$635,259
Your Cash$153,741
Total Purchase Price:$789,000

Assumed vs Traditional Mortgage

Assumed @ 4.92%
$3,521/mo
Traditional @ 7.15%
$4,637/mo
You save $1,116/month ($13,395/year)

*Secondary financing rates are an estimated value based on input

MLS ID: 250024268SD

Listing From:

Last updated: 2025-04-17T18:36:53.000Z

© , CRMLS. All rights reserved. Information deemed to be reliable but not guaranteed. The data relating to real estate for sale on this website comes in part from the Broker Reciprocity Program. Listing broker has attempted to offer accurate data, but buyers are advised to confirm all items. IDX information is provided exclusively for consumers’ personal, non-commercial use and that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed to be accurate. Listing information updated daily.

Assumed Rate

4.92%
7.15%

Principal & Interest

$3,521 /mo
$4,470 /mo
Inquire about this property

We will reach out to you with more details

Apply to Assume

Fill out an application to explore financing options for assuming this loan.

Apply now

Savings Calculator

Current cash to close is $153,741 (19%)
You can enter any amount below - secondary financing will cover the difference if needed.
19%
$

You cover the entire equity of $153,741!

Enter a smaller amount if you prefer to use secondary financing.

Loan Breakdown

Assumed Mortgage4.92% Sellers Rate
$635,259
Your Cash$153,741
Total Purchase Price:$789,000

Assumed vs Traditional Mortgage

Assumed @ 4.92%
$3,521/mo
Traditional @ 7.15%
$4,637/mo
You save $1,116/month ($13,395/year)

*Secondary financing rates are an estimated value based on input

Follow Us
exp realty
Agent/Broker
Michael Grahamexp realty(480) 628-9392michael@grahamgroupaz.comMLS

© Listing Service, All rights reserved. The data relating to real estate for sale on this website comes in part from the Listing Service. Real estate listings held by brokerage firms other than exp realty are marked with the Listing Service logo and detailed information about them includes the name of the listing brokers. All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) nor Listing Service shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.

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